Lake County property record for 37551 Ocean Reef, Willoughby, OH 44094 · Last verified May 2024
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 1,458 sqft · built 1992 |
| Lot Size | 0.377 acres (16,426 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $135,000 (May 2013) |
| Tax Bill | $4,805 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-B-043-A-00-044-0 |
| Primary APN | 27-B-043-A-00-044-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,458 sqft Living Area |
| 1st Floor Area | 612 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,426 sqft |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 108 |
|---|---|
| Street Address | 37551 OCEAN REEF |
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-6410 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | LOT 115 GORE TRACT |
| Legal Subdivision | SMUGLERS COVE CONDOMINIUM |
| Legal Lot Number | 11 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 201600 |
Source: Lake County records · APN 27-B-043-A-00-044-0
Assessment roll updated August 1, 2023 · Last verified May 2024
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 37551 OCEAN REEF, WILLOUGHBY, OH 44094-6410 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2013 · Amount on Record |
| Deed Sale | May 29, 2013 · Amount on Record |
| Prior Sale | May 31, 2002 · Amount on Record |
| Deed Document Number | 1455 |
| Record Updated | Jun 07, 2026 |
Source: Lake County records · Assessment roll updated August 1, 2023 · Last verified May 2024
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,805.00 (+53.61%) Homeowner's exemption | $50,760 (-) Land $12,080 Building $38,680 | |
| 2022 | $3,128.00 Homeowner's exemption | $50,760 Land $12,080 Building $38,680 | |
| 2021 | $145,000 Land $34,500 Building $110,500 |
Source: FEMA National Flood Hazard Layer, Lake County (39085C), updated December 14, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390852016001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2013, rainfall accumulation |
| Wildfire Risk | Low above 20% of the US · above 64% of Ohio |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 35 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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